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AIG Direct Life Insurance Review

Reviews 1
AIG Direct
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AIG Direct
AIG Direct
Reviews 1
Michael Graw
Apr. 09, 2023
2 min read
Michael Graw
AIG Direct Summary
AIG Direct is a leading insurance agency that offers a wide variety of life insurance policies from top-rated carriers. You can choose from term life with term lengths of up to 30 years, whole life, and permanent policies. AIG Direct sells life insurance policies online as well as through appointed agents. You can get a quote online in minutes, but a health exam is required for most policies.


  • Very wide range of policy options
  • Get a quote and apply online


  • Most policies require a medical exam
  • Limited customer service hours

AIG Direct at a glance

Editorial score

Coverage type

Offers either term or whole life insurance. Term life can be for up to 30 years.

Customization of policies

Customizable rates

Customer services and support

Multiple communication options, ability to speak to an agent

Online experience

Online fast application, learning resources, access to rates before application

Direct insurer?


AIG Direct AIG Direct Visit Site

Who Can Benefit From AIG Direct? 

AIG Direct offers a wide range of life insurance policies that go far beyond traditional term and whole life options.  AIG Direct is suited for individuals who want permanent policies such as universal life insurance, or who are looking for term life insurance with flexible term options. You can easily check quotes for different policy combinations online, and then speak with an agent to get more details about products and pricing

Term life insurance policies sold by AIG Direct range from $100,000 in life coverage to $10 million or more. You can customize not only the amount of your coverage but also your term length and how you pay for your policy. 


AIG Direct offers a wide range of life insurance policies from top-rated life insurance companies. You can choose from traditional Term Life Insurance and Permanent Life Insurance policies such as Guaranteed Issue Whole Life Insurance and Whole Life Insurance policies as well as Universal Life Insurance.

AIG Direct enables you to customize the coverage, term, and even payment schedule of your policy, and you can manage your policy online if you need to make changes. $10 Million or more in coverage is available for term policies and you can select a term up to 30 years. If you need help choosing a policy or want to combine multiple policies, you can speak with an appointed agent.

●        Offers term, whole life, universal, and permanent life insurance

●      Coverage up to $10 million

●      Term policies up to 30 years

●      Apply online or with an agent

●      Phone and live chat customer support

Application Process

You can apply for an AIG Direct life insurance policy online through AIG Direct or over the phone with an appointed AIG Direct insurance agent. The online application asks for your contact information and requires you to answer some basic questions about your health history. Based on your answers, AIG Direct will display a customized quote. You can easily modify your desired coverage and policy length to see how that will change the cost of your policy.

If you want to purchase a policy, you can complete the application form and pay online. As part of the application for most policy types, you will need to schedule a medical exam.

Policy Types and Terms

AIG Direct offers a variety of different policies, including term, whole life, permanent, and universal life insurance. Term policies are available for 10-30 years and carry coverage from $100,000 to $10 million. Whole life policies are available with coverage up to $2 million. If you are between 50 and 80 years old, you can get up to $25,000 in coverage with a guaranteed issue whole life policy, which does not require a medical exam.

●      Most policies require a medical exam

●      Term policies from 10-30 years

●      Requires health history questionnaire

How Safe Is It? 

AIG Direct holds an A+ rating with the Better Business Bureau.  The online application uses SSL encryption to protect your information, and all online payments are processed in a PCI-compliant manner.

Help & Support

AIG Direct offers customer support by phone and live chat from 7AM-5PM (PT) Monday-Friday.

Phone: (800) 294-4544

Bottom Line

AIG Direct is a well-established life insurance agency that offers a wide range of policies from top-rated life insurance carriers. You can select Term life insurance policies of up to 30 years and up to $10 million or more in coverage, as well as Guaranteed Issue Whole Life Insurance and Universal Life Insurance policies. Most policies require a medical exam, but the Guaranteed Issue Whole Life Insurance product does not. You can apply for life insurance coverage online through or over the phone with an AIG Direct life insurance agent.

AIG Direct AIG Direct Visit Site

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about AIG Direct
AIG Direct
Reviews 1
shadow kingsley
6 months ago
i am the first review?
crazy to think that i am the first person to review this company. well regardless, i am giving them 1 star because it cannot go lower. i signed up. gave bank info. made my first payment for the policy to go in to effect and then 3 days later i see a pending charge for the same amount from them. the extra money they were taking was for my rent. so i had to borrow from someone to cover the funds. the debits were electronically and yet when i called, they claimed they could not electronically deposit the funds back. so i cancelled and now i have to wait who know how long for a check to come in the mail. i told them i want all $615 that i paid back. this was for 2 months that iw as billed for in less than 5 days.